Superannuation

Knowledgeable Superannuation Services in Sydney

Knowledgeable Superannuation Services in Sydney

We’re Here to Help With Your Superannuation Planning

Fodera & Co. are here to assist with all aspects of superannuation management. Our experienced team in Lane Cove provides tailored superannuation services for businesses, ensuring that you optimise retirement savings and comply with regulations.

Superannuation for Businesses

For businesses, managing employee superannuation can be complex. We offer comprehensive services to handle superannuation contributions, compliance, and reporting. Our expert team ensures that your business meets all regulatory requirements while helping you optimise superannuation arrangements for your employees, contributing to a supportive and compliant workplace environment.

Superannuation Funds

Superannuation accounting services are specialised financial services that help individuals, businesses, and trustees of Self-Managed Superannuation Funds (SMSFs) manage their superannuation accounts in compliance with regulatory requirements. These services cover a range of accounting, compliance, tax, and reporting needs.


Superannuation Fund Setup

  • Fund Registration: We are associated with specialised people that will assist with registering a new superannuation fund, particularly for SMSFs. This includes setting up the trust deed, appointing trustees, and registering the fund with the Australian Taxation Office (ATO).


  • Tax File Number (TFN) and Australian Business Number (ABN): Applying for a Tax File Number and ABN for the super fund. Register the fund for Goods and Services Tax (GST) if required.


Contribution Management

  • Tracking Contributions: Accounting for employer, personal, concessional, and non-concessional contributions made to the super fund.


  • Contribution Cap Monitoring: Monitoring contributions against annual caps to ensure they don’t exceed the allowable limits and trigger additional taxes or penalties.


  • Salary Sacrifice Contributions: Recording salary sacrifice contributions made by employees and ensuring compliance with concessional cap rules.


Investment Accounting

  • Record Keeping: Maintaining records of all investments within the super fund, including shares, property, managed funds, and other assets.


  • Valuation of Assets: Ensuring accurate and up-to-date valuation of investments for reporting and tax purposes.


  • Dividend and Interest Tracking: Recording income from investments, such as dividends, interest, rental income, and distributions from managed funds.


  • Capital Gains Tax (CGT) Management: Calculating capital gains and losses on the sale of super fund assets and ensuring correct CGT treatment, including applying any discounts or concessions.


  • Investment Strategy Compliance: Ensuring that the superannuation fund’s investments comply with its documented investment strategy and relevant superannuation laws.


Pension Accounting


  • Transition to Retirement (TTR) Accounting: Managing the accounting and tax implications of individuals transitioning to retirement using TTR income streams while still working.



  • Pension Setup and Management: Setting up and administering pensions from the super fund, including calculating minimum and maximum pension withdrawal limits and ensuring they meet legal requirements.


  • Tax-Free Pension Phase: Managing the tax-free status of assets in the pension phase, ensuring the appropriate application of tax exemptions on investment income for retirees.


  • Commutations and Lump Sums: Accounting for lump-sum withdrawals and pension commutations, including their tax implications.


Annual Financial Statements

  • Financial Statement Preparation: Preparing the super fund’s annual financial statements, including the statement of financial position (balance sheet), statement of income and expenses (profit and loss), and member statements.


  • Audit Preparation: Ensuring that the financial statements are accurate and complete for the annual audit, especially for SMSFs, where an independent audit is mandatory.


  • Member Statements: Generating member statements showing individual balances, contributions, earnings, taxes, fees, and pension payments.


Audit and Compliance


  • SMSF Audit Coordination: Coordinating the independent audit of the SMSF to ensure compliance with superannuation laws and regulations. This includes working with auditors to ensure all required documents and records are available.


  • Regulatory Reporting: Ensuring the timely and accurate submission of regulatory reports, such as the SMSF annual return and any reports related to contributions, pensions, or breaches of compliance rules.


Trustee Support Services

  • Trustee Education: Providing ongoing support and education for SMSF trustees to ensure they understand their duties, responsibilities, and regulatory obligations.



  • Trust Deed Updates: Ensuring that the SMSF trust deed is kept up to date with changes in superannuation law and regulations.


  • Record Keeping: Helping trustees maintain accurate and complete records for all fund transactions, correspondence, and investment decisions, as required by law.


Insurance in Superannuation

  • Insurance Premium Management: Recording insurance premiums paid through superannuation, including life insurance, total and permanent disability (TPD) insurance, and income protection.


  • Claims Management: Assisting with the accounting and tax treatment of insurance claims paid out of the super fund, ensuring accurate reporting.


Rollovers and Transfers

  • Rollover Support: Managing the accounting and compliance aspects of rolling over superannuation balances from other funds into the SMSF or another fund.


  • Transfer Balance Cap (TBC) Management: Ensuring that the total amount of superannuation transferred into the retirement phase complies with the transfer balance cap ($1.9 million as of 2024) and managing any excess balances.


Exit and Wind-Up Services

  • Winding Up a Fund: Providing accounting support for closing down a superannuation fund, including preparing final financial statements, tax returns, and coordinating final audits.



  • Disbursement of Benefits: Accounting for the final distribution of superannuation benefits to members, whether as lump sums or rolled over into another fund.


Estate Planning and Death Benefit Payments

  • Death Benefit Nominations: Assisting with accounting and compliance for death benefit nominations, including recording and ensuring the correct distribution of benefits.


  • Death Benefit Payments: Managing the accounting and tax implications of paying out death benefits to beneficiaries or estates, ensuring that any applicable taxes are calculated and paid.


SMSF Transfer to Pension Phase

  • Accumulation to Pension Phase Transition: Assisting with the transition of an SMSF from the accumulation phase to the pension phase, including tax reporting and asset revaluation to ensure compliance with pension phase rules.


ATO Correspondence and Liaison

  • Dealing with the ATO: Handling correspondence with the ATO on behalf of the superannuation fund, including responding to queries, managing lodgment extensions, and addressing compliance issues.


  • ATO Reporting Requirements: Ensuring the fund complies with all reporting requirements, including lodgment of annual returns, event-based reporting for SMSFs, and notifying the ATO of any changes in the fund’s status.


Why Choose Us?

With over 25 years of experience, Fodera & Co. provides reliable and expert superannuation services tailored to your needs. We focus on delivering personalised solutions and ensuring compliance with current regulations. Our local presence in Lane Cove allows us to offer dedicated support and advice, helping you make informed decisions about your superannuation.

Ensure your superannuation is managed effectively. Call Fodera & Co. in Sydney at (02) 9418 9418 for expert advice.

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